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This lovingly maintained, one-owner home in Carolina Bay offers comfort, convenience, and community--right where you want to be. Thoughtful updates include crown molding, upgraded hardwood floors downstairs, and a beautifully refreshed powder room. The dedicated office features stunning floor-to-ceiling built-in bookshelves--perfect for remote work, hobbies, or a cozy reading nook. With an open-concept layout, the living room (complete with a fireplace) flows seamlessly into the kitchen, creating a warm and functional space for both quiet mornings and lively evenings. Natural light fills the home, and the spacious primary suite offers a walk-in closet, oversized garden tub, separate shower, and plenty of cabinet space for easy organization. Step outside to a fenced backyard with a back deck ideal for grilling, relaxing, or letting the kids and dogs play. The detached garage adds flexibility and extra storage. Located just steps from the park and playground, this home is part of Carolina Bay, a vibrant West Ashley community known for its top-notch amenities: 3 pools, walking and biking paths, hiking trails, a dog park, covered picnic areas for gatherings, and multiple playgrounds. Weekly and seasonal eventslike Food Truck Fridays and community holiday celebrationsmake it easy to connect with neighbors and enjoy where you live. Whether you're raising a family or settling into your next chapter, this home checks all the boxes for laid-back Lowcountry living.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $472,000 | $472,000 | $472,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.058% | 7.025% | 6.132% |
Monthly Tax Payment | N/A | N/A | N/A |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,983 | $3,101 | $3,951 |
Total Monthly Payment | $3,075 | $3,193 | $4,043 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.